Unlock the Door to Your Dream Home with Randy Wouters!
Expert Mortgage Solutions Nationwide
LOAN PROGRAMS
Choose the Perfect Loan for Your Home: From Conventional to Government-Backed Options like FHA, VA, and USDA, we offer tailored solutions for every homebuyer. Discover the right fit for your journey!
CONVENTIONAL
- 620 FICO
- 2 Year Work History
- 1-4 Units
- Primary, 2nd, Investment
- Fannie Mae/Freddie Mac
FHA
- 580 FICO
- 2 Year Work History
- 1-4 Units
- Primary Residence Only
- Higher DTI Limits
RENOVATION
- 620 FICO
- 203k and Homestyle
- Funds for Purchase & Reno
- General Contractor Required
- Longer Closing Turnaround
BANK STATEMENT
- 660 FICO
- 1 Year Self Employment OK
- 12 Months Bank Statements
- No Taxes, Paystubs, W2s
VA
- 580 FICO
- 2 Year Work History
- 1-4 Units
- Primary Residence Only
- US Military Veterans
- No PMI or MIP
USDA
- 600 FICO
- 2 Year Work History
- 1-4 Units
- Primary Residence Only
- Rural Areas Nationwide
- Annual Fee
- 680 FICO
- Uses Cash Flow from Subject
- Investment Properties Only
- No Landlord History Required
- No Taxes, Paystubs, W2s
CASH FLOW/DSCR
DOWN PAYMENT ASSISTANCE
- 600 FICO
- Standard FHA Qualification
- 1.5% Origination Fee
- Primary Residence Only
- No Income Limits
ASSET QUALIFIER
- 680 FICO
- No Employment Required
- 1-4 Units
- Proof of Liquid Assets Only
- Includes 401k & Bitcoin
1099 ONLY
- 660 FICO
- 75% of 1099 Income
- Independent Contractors
- 1-4 Units
- No Taxes, Paystubs, W2s
HOME LOANS IN ALL 50 STATES
PREPARING FINANCIALLY
Foundations of Financial Readiness for Homebuyers
Financial Preparation for Homebuyers is vital to ensure a successful home purchase. Start by reviewing your credit score and establishing a budget that incorporates the down payment, monthly mortgage obligations, and additional homeownership expenses. We can help you get a mortgage preapproval letter from Brighton Bank, explore various loan options, and start saving for the down payment and closing costs.
Strategic Financial Planning for Homeownership Success
Prepare for moving expenses and fine-tune your monthly budget to accommodate homeownership costs. Obtain homeowners insurance quotes and research property taxes in your desired area. Don't forget to allocate funds for home maintenance and repairs. Seeking guidance from a financial advisor and your Realtor can be invaluable. Keep a vigilant eye on your income and expenses and avoid making any large purchases or taking out any new credit lines or loans. Financial preparedness is a crucial aspect of your home-buying journey, and Brighton Bank is ready to assist with the preapproval process, facilitating a well-informed real estate investment decision.
MEET THE TEAM
Randy Wouters
Mortgage Loan Officer
NMLS #: 2517671
rwouters@bankbrighton.com
Anna Maciejewski
Partner & Sales Manager
NMLS #: 1769895
amaciejewski@bankbrighton.com
With over 16 years of experience in the real estate industry and running a thriving real estate team in Florida, Randy Wouters and Anna Maciejewski are your trusted guides to navigating the complexities of home financing. As a Federal Mortgage Loan Officer, Randy's expertise spans all 50 states, ensuring you get the best advice no matter where you are.
We're here to support you
Ready for a Personalized Consultation? Schedule your free, no-obligation call with Randy today and take a step closer to your dream home.
State of the art application
Client Testimonials
See what our satisfied customers have to say about us!
"Randy made our home-buying process a breeze! We never knew getting a mortgage could be this straightforward."
Sebastian Bennett
"From application to closing, Randy was there every step of the way. Thank you for making our dream come true!"
Jiara Martins
"As first-time homebuyers, we were overwhelmed with the mortgage process. Randy Wouters was a lifesaver! He explained everything in terms we could understand and helped us secure the perfect loan. We couldn't be happier in our new home!"
Jackie Kim
Need help finding your next home?
Our trusted Real Estate partners are ready to serve you!
Florida Counties served:
Brevard, Broward, Palm Beach, Ft Walton, & Okaloosa.
Real Estate Agents and Team leaders…
Ask me how the hybrid agent program can expand your business and earn you .5% of the loan amount on every loan!
Hybrid Agent
Program
6489 Quail Hollow Rd., Suite 106
Memphis, Tennessee 38120
Phone: 321-482-6698
NMLS #: 2517671
bankbrighton.com
Member FDIC | Equal Housing Lender | NMLS#: 892951
The views expressed are those of the author and do not necessarily reflect the views of Brighton Bank.
© 2024 Brighton Bank | Randy Wouters, Federal Mortgage Loan Officer